There is a difference between being poor and being broke. Broke is temporary. Poor is eternal. The poor and the middle class work for money. The rich have money work for them.

Too many people are too focused on money and not on their greatest wealth their education. If people are prepared to be flexible, keep an open mind and learn, they will grow richer and richer despite tough changes. If they think money will solve problems, they will have a rough ride. Intelligence solve problems and produces money. Money without financial intelligence is money soon gone.

Most people fail to realise that in life, it’s not how much money you make. It’s how much money you keep. We’ve all heard stories of lottery winners who are poor, then suddenly rich and then poor again. Or stories of professional athletes, who at the age of 24 are earning millions, but are sleeping under the bridge 10 years later.

In the long run, it’s not how much money you make. It’s how much you keep, and how many generations you keep it. If you want to be rich, you need to be financially literate.

Most people, in their drive to get rich, try to build an Empire State Building on a six inch slab. While they are ignorant that they need to dig a deep hole and pour a strong foundation.

Accounting is possibly the most confusing, boring subject in the world, but if you want to be rich long term, it could be the most important subject.

Cash flow tells the story of how a person handles money. Money only accentuates the cash flow pattern running in your head. If your pattern is to spend everything you get, most likely an increase in cash will just result in an increase in spending. Thus the saying, “A fool and his money is one big party.”

Most people work harder but don’t get ahead. What is missing from their education is not how to make money, but how to manage money. It’s called financial aptitude – what to do with money once you make it, how to keep people from taking it from you, how to keep it longer, and how to make that money work harder for you. Most people don’t understand why they struggle financially because they don’t understand cash flow.

There’s an important saying for people in debt, “If you find you have dug yourself into a hole…. Stop digging.”

Truly enlightened people, those who experience deep happiness daily, are prepared to put off short-term pleasure for the sake of long-term fulfillment.

So they tackle their weaknesses and fears head on, even if dipping into the zone of the unknown brings with it a measure of discomfort. They resolve to live by the wisdom of kaizen, improving every aspect of themselves ceaselessly and continuously. With time, things that were once difficult become easy. Fears that once prevented them from all the happiness, health and prosperity they deserved fall to the wayside like stickmen toppled by a hurricane.

Happiness comes through the progressive realization of a worthy objective. When you are doing what you truly love to do you are bound to find deep contentment.

Doing what you love, whether this means giving up the work you are presently doing to become an actor or spending less time on those things that are less important to make time for those things that are more meaningful, requires a great deal of courage.

It requires you to step out of your comfort zone. And change is always a little uncomfortable at first. It is also more than a little risky. Having said this, this is the surest way to design a more joyful life.

Once you get yourself together, your world will be okay. Once you master your mind, body and character, happiness and abundance will flow into your life almost magically. But you must spend some time daily working on yourself, even if for only ten or fifteen minutes.

A ‘time consciousness.’ You see, I learned that time slips through our hands like grains of sand, never to return. Those who use time wisely from an early age are rewarded with rich, productive and satisfying lives.

Those who have never been exposed to the principle that ‘time mastery is life mastery’ will never realize their enormous human potential. Time is the great leveller. Whether we are privileged or disadvantaged, whether we live in Texas or Tokyo, we all have been allotted days with only twenty-four hours. What separates those who build exceptional lives from the ‘also rans’ is the way they use this time.

Time mastery allows you more time to do the things you love to do, the things that are truly meaningful to you. Time mastery leads to life mastery. Guard time well. Remember, it’s a non-renewable resource.

Failure is not having the courage to try, nothing more and nothing less. The only thing standing between most people and their dreams is the fear of failure. Yet failure is essential to success in any endeavor.

Failure tests us and allows us to grow. It offers us lessons and guides us along the path of enlightenment.

Every arrow that hits the bull’s eye is the result of one hundred misses. It is a fundamental Law of Nature to profit through loss. Never fear failure. Failure is your friend. “Embrace failure.”

The universe favors the brave. When you resolve, once and for all, to lift your life to its highest level, the strength of your soul will guide you. Everyone’s destiny was laid out for them at birth. This path always leads to a magical place filled with magnificent treasures. It was up to each individual to develop the courage to walk this way.

Study a baby. She has no limits. Her mind is a lush landscape of potential and possibility. Properly cultivated, it will lead her to greatness. Filled with negativity, it will lead her to mediocrity, at best.

No experience, whether it is public speaking or asking your boss for a raise or swimming in a sunsoaked lake or walking along the beach on a moonlit night, is inherently painful or pleasant. It is your thinking that makes it so.

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